Credit Cards

[j_casteel]

I know 2 credit unions here in my city that guarantee secured cards with no credit check and they still report as well. BUT to increase the CL by adding money they SP you.

[baronofthenorth]

I have been denied for the CITI Secured card twice in the past 6 years.  No BK.

[j_casteel]

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baronofthenorth wrote:

I have been denied for the CITI Secured card twice in the past 6 years.  No BK.

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i bet that can be aggrevating....what reasons they give you?

[2NE1]

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tboy1977 wrote:

But at what cost with Open Sky?  BofA sucks......still no letter of denial from BankofAmerica

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The annual fee is $50... but it reports to all 3 credit bureus.

[OptimalFICO]

Digital Federal Credit Union (DCU) has a secured card that reports to all three CRAs with no AF!

https://www.dcu.org/prodserv/ccards/visa-secured.html

Before applying, you must first join DCU by opening a share (savings) account. You must qualify to join DCU, but you can do so by donating/"joining" a partner non-profit for a very small amount. Or maybe you could call and ask if they would process your application first.

[jsucool76]

I got denied for the capital one secured card, that one hurt. Lol. Then a few months later they approved me for a $3,000 CL and the only thing that changed on my report was more inquiries. Lol.

[baronofthenorth]

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j_casteel wrote:

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baronofthenorth wrote:

I have been denied for the CITI Secured card twice in the past 6 years.  No BK.

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i bet that can be aggrevating....what reasons they give you?

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Multiple reasons at the time.  Too few accounts, past baddies, thin file (short credit history).  2nd time was more of the same, but with a longer history and maybe 1 baddie (4+ years old) at the time.

[Chriss]

Old friend of mine got approved for a first premier card with at least a dozen collections this is all comes with high fees but its something